


Straightforward guidance that cuts through the confusion
Strong market knowledge backed by years of experience
Steady communication so you always know what’s next


Complete credit analysis with specific improvement recommendations
Loan program matching based on your financial profile
Pre-approval roadmap with timeline to qualification
Access to trusted lenders who specialize in first-time buyers

Side-by-side comparison of your current rent vs. homeownership costs
Hidden rental costs vs. homeownership benefits analysis
Tax advantages and equity building calculations
Real monthly payment scenarios for your budget

Custom timeline from pre-approval to closing day
Milestone checkpoints tailored to your move-date goals
Preparation tasks specific to your credit and financial situation
Realistic expectations for your home search phase

Neighborhood recommendations based on your lifestyle and commute
Home features prioritization based on your needs and budget
Market timing strategy for your specific price range
Negotiation approach tailored to current market conditions


Complete credit analysis with specific improvement recommendations
Loan program matching based on your financial profile
Pre-approval roadmap with timeline to qualification
Access to trusted lenders who specialize in first-time buyers

Side-by-side comparison of your current rent vs. homeownership costs
Hidden rental costs vs. homeownership benefits analysis
Tax advantages and equity building calculations
Real monthly payment scenarios for your budget

Custom timeline from pre-approval to closing day
Milestone checkpoints tailored to your move-date goals
Preparation tasks specific to your credit and financial situation
Realistic expectations for your home search phase

Neighborhood recommendations based on your lifestyle and commute
Home features prioritization based on your needs and budget
Market timing strategy for your specific price range
Negotiation approach tailored to current market conditions
Down payment and closing cost help up to 5% of loan amount (TDHCA & TSAHC)
Forgivable assistance and grants that don’t need to be repaid if you stay in the home
Mortgage Credit Certificate (MCC): federal tax credit on up to 20% of mortgage interest every year
Special loan programs available with credit scores starting at 620


Builder incentives made for first-time buyers (rate buy-downs, upgrades, closing cost help)
FHA loans: as little as 3.5% down with flexible guidelines
Conventional loans: options starting at 3% down
Opportunities for sellers to cover part of your closing costs something I negotiate often
More homes on the market now, giving buyers better choice and leverage
Interest rates showing signs of stabilizing in the 6% range
Less competition compared to peak years = stronger negotiating position
The right timing and strategy can save you thousands on your first purchase

Down payment assistance up to 5% of loan amount
Closing cost grants that don't need to be repaid
20% mortgage interest tax credit through MCC program
Special loan programs starting at 620 credit score.

Builder incentives specifically for first-time buyers
FHA loans with as little as 3.5% down payment
Conventional loans available with just 3% down
Seller-paid closing cost opportunities.

DFW predicted to be hottest market in 2025 buy before prices rise further
Current interest rates stabilizing around 6-7%
More inventory giving buyers better selection
Strategic timing can save thousands on your purchase.




© 2025 Bryan Lynch, Realtor® | Brokered by DHS Realty | All Rights Reserved